Integrity Bank & Trust Mortgage Rates, Fees & Info

Monument, CO

LEI: 5493008SW1LBUJBOD283

Tax ID: 43-2009807

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Integrity Bank & Trust is a smaller bank specializing in Home Purchase loans. Integrity Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Colorado Springs, Denver, and Breckenridge among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Integrity Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    54

    Origination Dollar Volume (All Markets)

    $19,270,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    COLORADO SPRINGS, CO (FHA|USDA|VA) 51 $16,585,000 $325,196 $0 0.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $2,030,000 $1,015,000 $0 0.00%
    Breckenridge, CO (FHA|USDA|VA) 1 $655,000 $655,000 $0 0.00%
    Integrity Bank & Trust's top markets include Colorado Springs, Denver, and Breckenridge among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 54 $19,270,000 $356,852 $0 0.00%

    For 2019, Integrity Bank & Trust's most frequently originated type of loan was Conventional, with 54 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 42 $15,360,000 $365,714 $0 0.00%
    Refi 7 $2,575,000 $367,857 $0 0.00%
    Home Improvement 3 $515,000 $171,667 $0 0.00%
    Other 2 $820,000 $410,000 $0 0.00%

    For 2019, Integrity Bank & Trust's most frequently cited loan purpose was Home Purchase, with 42 originations. The 2nd most popular reason was Refi, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 54 $19,270,000 $356,852 $0 0.00%

    For 2019, Integrity Bank & Trust's most frequently cited loan duration was Other, with 54 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 18 $2,620,000 $145,556 $0 0.00%
    $200k-400k 15 $4,575,000 $305,000 $0 0.00%
    $600k-1MM 7 $5,215,000 $745,000 $0 0.00%
    $400k-600k 6 $3,050,000 $508,333 $0 0.00%
    $100,000 or less 5 $405,000 $81,000 $0 0.00%
    $1MM+ 3 $3,405,000 $1,135,000 $0 0.00%

    2019 saw Integrity Bank & Trust place emphasis on $100k-200k loans with 18 originations, totaling $2,620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 16 $6,620,000 $413,750 $0 0.00%
    $150k-250k 13 $5,735,000 $441,154 $0 0.00%
    $50k or less 3 $1,365,000 $455,000 $0 0.00%
    $100k-150k 2 $1,280,000 $640,000 $0 0.00%
    $75k-100k 1 $265,000 $265,000 $0 0.00%

    Integrity Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 16 originations. The second most popular income band? $150k-250k, with 13 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 54 $19,270,000 $356,852 $0 0.00%

    Integrity Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 54 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 31 $13,215,000 $426,290 $0 0.00%
    Not applicable 19 $4,005,000 $210,789 $0 0.00%
    Not provided 3 $1,225,000 $408,333 $0 0.00%
    Black 1 $825,000 $825,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Integrity Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    88.89%

    Integrity Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 54 $19,270,000 $356,852

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $900,000 $450,000
    Single Family (1-4 Units):Manufactured 1 $385,000 $385,000
    Single Family (1-4 Units):Site-Built 51 $17,985,000 $352,647

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Integrity Financial Corp. DBA US Loan Servicing Other type of mortgage Closing on a mortgage 1 100.0%